Is 650 really that bad of a score? I think I used to have 620 awhile ago and I was still able to get all the cc's I applied for. The second I paid off the balances from all the BT cc offers it jumped up to the mid 700's. I think it is time to apply for more BT cc offers.

as a last resort... you could get a Credit card with a 'low interest rate' option... That'll be easy enough for a 650 score.

RBC has a low rate visa @ 11.9% for $20/yr.
I imagine that all the big5 banks will have a similar/comparable product.

but try MBNA or Citibank... those guys hand out credit like candy!
MBNA gave me a $5400 M/C no problem... and the recently upped it to $10k.
My salary is in the low $30's. So they already gave me credit thats nearly 1/3 of my annual salary.

MBNA does not offer Line of Credit

Daniel: Hello, I am happy to assist you today with your on-line application. May I have your name please?
you: my name is salim shaikh....I need help for a line of credit ?
Daniel: Hi Salim.
you: hello
Daniel: Let me inform you that MBNA does not offer Line of Credit, however along with the card upon approval you will receive two cash advance cheque's you can write the cheque in your name and transfer the money to your checking account and use the money according to your convenience.
Daniel: You can go ahead and apply for the Platinum Plus Credit Card.
you: rate of interest ?
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Daniel: Hello, I am happy to assist you today with your on-line application. May I have your name please?
you: my name is salim shaikh....I need help for a line of credit ?
you: i know you dont do LOC
you: so what is the cash advance cheques amount ?
you: limit i mean...and rate of interest
Daniel: This card comes with the promotional interest rate of 0% for the first 10 months on balance transfers and cash advance cheques, and comes with no annual fee.
Daniel: The credit limit will be decided by MBNA, however it can go anywhere upto $100,000 upon approval .
Daniel: Once you receive your card upon approval you may contact our customer service department to increase or decrease your credit limit.
you: I understand....how about the amount limit for cash advance and the rate of interest for the cash advance only
Daniel: You can transfer upto 98% of the approved credit limit.
you: rate of interest..thanks
Daniel: Well this is also 0% interest rate for the first 10 months.
you: after 10 months
Daniel: The regular interest rate on the card is as follows:

you: thats too high.....
you: seriously I though you might have a product on lines with the line of credit....cash advance seems good option...but after 10 months it will kill me....
Last text message receivedDaniel: Well 10 month is a long duration you can certainly go head and consolidate all your debts and save lot of your hard earned money.
you: thanks....and what do I do after 10 months??? I need a product like a line of credit which I can use on long term ...not looking for temporary options...
Daniel: Well I cannot comment on that.
you: Great...thansk for your help...have a great day....
Daniel: If you are looking for a lower interest rate card, you can goahead and apply for the TrueLine Credit card.
Last text message received
Daniel: This card comes with a fixed low annual interest rate of 9.99% on purchases, balance transfers and cash advance cheque's, and comes with no annual fee.
you: sure...bye now